The internet is a wonderful thing that allows people to shop around to find the best bargain when they’re making just about any sort of purchase. With insurance however, it presents clear risks.
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Research from the Australian Government shows that travel insurance is a popular holiday investment, but there are considerable gaps in knowledge about what customers are actually covered for.
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Protecting against risk is essential for any business, and identifying and understanding less obvious exposures can help a business prepare and be best protected, should the worst happen.
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If building work is close - or adjacent - to adjoining property boundaries, protection works may be requested from another party in respect of the adjoining property.
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Do I have cover should I accidentally damage my client’s home, driveway or personal property during the course of building their pool or spa?
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What happens in the event that your tools and/or equipment are stolen from site or office/factory carpark or the driveway of your personal property?
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It’s seems like it’s been raining for weeks on end and now a customer has called saying “we’ve had a cave in!” What now?
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When a business considers engaging someone to perform work, often the decision is about whether to engage them as an employee or as a contractor. The decision is sometimes quite difficult and the difference has implications for items such as, yet not limited to, taxation, superannuation, control and liability.
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All businesses no matter how large or small should have Public and Products Liability cover.
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Comprehensive motor insurance generally offers two types of sums insured, market value and agreed value.
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Management Liability Insurance protects the individuals and the company in relation to the exposures associated with managing a company (i.e. your liability for mismanagement).
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In recent years there have been many reports of major cyber-attacks on a number of organisations across the globe.
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In recent times there have been wide spread reports of major cyber-attacks on a number of organisations across the globe.
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On behalf of the Directors and Shareholders at AB Phillips, I am delighted to announce that as of today Fergusons Insurance Brokers have become part of the AB Phillips Group. We are very excited to have Fergusons join the AB Phillips team and to be partnering with both Alan Marsden and Alan Saunders in their transition to retirement.
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As a small business, you may be eligible for income tax concessions. From 1 July 2016, the turnover threshold for these concessions is:
- $5 million for the Small business income tax offset
- $10 million for all other income tax concessions.
The turnover threshold up to 30 June 2016 was $2 million for all these concessions.
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In an Australian first, AB Phillips has teamed up with the Insulated Panel Council Australasia (IPCA) to deliver an exclusive Insurance Facility designed to insure certain panel classes.
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Australia is a land of extreme weather, and whilst there is nothing we can do to stop it occurring, we can control the extent to which we are impacted by it. Where business is concerned, controlling the level of damage that a business suffers as a result of extreme weather, and the speed at which it recovers depends entirely upon the directors and management. Regardless of the size of the business there are some fundamental strategies that should be implemented to increase business resilience to the impact of extremes in weather.
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A Valentines Day message from the team at AB Phillips
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You don’t need to live in the country and rural areas to be at risk of bushfires. Coastal areas with dry scrubland and long grass are also at bushfire risk. With predictions of a hot, dry summer ahead it’s important that households in fire zones prepare for a high risk of bushfire this season.
Read MoreLiability Insurance protects the individuals and the company / entity (i.e. Company, Association or Non-for-Profit) in relation to the exposures associated with managing a company / entity (i.e. your liability for mismanagement). Without adequate protection you could risk losing, not only the company / entity, but also your personal assets. This insurance protects you personally and therefore your wealth and lifestyle. The legal costs to defend allegations of wrongful acts alone can be financially crippling for companies / entities and individual
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